Family Law

• Child Support
  Child support debts. These will not go away and can result in very serious problems, including prison, for non-payment.
• Spousal Support
  In a Chapter 7 bankruptcy, individuals can wipe out many types of unsecured debt. Unsecured debt is debt that you do not have to put up collateral for, such as a debt incurred from a credit card, or medical bills. It is important to know that not all debt is discharged under Chapter 7 bankruptcy. Mortgages typically survive bankruptcy, as do car payments. Child support, spousal support, back taxes and student loans are generally not discharged either. We can help determine the best course of action for your individual situation and get you out of debt once and for all.

Business and Corporate Law

• Business Transactions
  Short sales are common in standard business transactions in recognition that creditors are not doing debtors a favor but, rather, engaging in a business transaction when extending credit. When it makes no business sense or is economically not feasible to retain an asset businesses default on their loans — called bonds. It is not uncommon for business bonds to trade on the after-market for a small fraction of their face value in realization of the likelihood of these future defaults.

Property Law

• Real Estate Litigation
  David specializes in real estate law including short sales, refinancing, purchases, appraisals and negotiations. Representing homeowners since 1992, he is dedicated to providing legal excellence in all areas of real estate law.
• Real Estate Transactions
  A short sale occurs when the proceeds of a real estate sale fall short of the balance owed on the property. In a short sale, the bank or mortgage company agrees to discount the loan balance due to an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank’s loss mitigation department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes, but not always, in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale.

Finance Law

• Bankruptcy
  Chapter 7, otherwise known as liquidation, is probably the simplest and quickest bankruptcy option. Although referred to as liquidation, a Chapter 7 bankruptcy rarely results in the liquidation of any property for consumer bankruptcies in New Jersey. Most Chapter 7 cases are “no-asset”, which simply means that you do not have any non-exempt property for the trustee to sell and most people that file for a Chapter 7 bankruptcy keep everything they own. If you have property that might be at risk, we can make a determination of the right course of action to protect all your assets.
• Foreclosure
  Foreclosure Is The Legal Process Where A Court Orders The Sale Of A Home When The Homeowner Doesn’t Pay The Mortgage. Right Now, Many Homeowners Are Having Trouble Making Their Mortgage Payments. Mortgage Foreclosure Is A Complicated Process That Requires More Than Just Going To Court. Our Knowledge And Foreclosure Experience Can Help Save Your Home.
• Tax Law
• Debt Collection
  As a Federal Lawyer I represent clients that have had their rights violated by debt collectors. Many debt collectors do not comply with the strict laws that govern the way they conduct collection activities. I sue debt collectors or debt collection agencies when they break the law and obtain monetary awards for our clients.